Home / Employer Solutions / Executive & Retirement
Executive & Retirement Benefits
Key people you can't afford to lose?
Reward leadership. Plan for what comes next.
Your top performers and your long-time employees need more than a standard package. We design key-person and executive coverage, 401(k) plans and group Medicare options that protect your business and take care of your people at every stage of their career.
Who This Protects
One strategy, four layers of protection
Your business
If a key person is suddenly gone
Your leaders
Rewards that keep them on board
Your team's future
Saving for retirement, together
Your retirees
Coverage beyond their working years
Sound Familiar?
Your people built this.
Are you protecting them?
A standard benefits package covers today. These gaps show up when someone leaves, gets recruited away, or starts thinking about retirement.
The problem
Losing one key leader would put the business at risk.
How we fix it
Key-person coverage that helps protect the business financially if a critical person is suddenly gone.
The problem
Your top talent keeps getting recruited away.
How we fix it
Executive benefits that reward leadership and give your best people a reason to stay.
The problem
Employees aren't saving enough for retirement.
How we fix it
A 401(k) plan that makes saving easy for your team and adds a tax-advantaged benefit for your business.
The problem
Retirees face confusing Medicare decisions alone.
How we fix it
Group Medicare Supplement and Medicare Advantage options that keep retirees covered through a plan you sponsor.
Executive Benefits
Group plans stop short.
Your key people don't.
Standard group life and disability plans usually cap benefits at a level that doesn’t match what a senior leader actually earns. For a smaller company, that shortfall hits twice: once for the executive’s family, and again for the business.
When one or two people carry the relationships, knowledge or leadership your company runs on, losing one of them to death or disability isn’t just a personnel problem. It’s an operational one. Executive benefits close both gaps, and give you a real tool to recruit and keep leadership without redesigning your entire benefits plan.
The Coverage Gap
Illustration only. Group caps and coverage levels vary by plan.
Protects the business
Key-Person Insurance
Coverage the company owns on a critical employee, helping cover lost revenue and the cost of replacing them.
Protects their family
Supplemental Executive Life
Life coverage above standard group caps, so an executive’s family is protected at the level of their real income.
Protects their income
Executive Disability
Income protection matched to what your leaders actually earn, layered on top of your group disability plan.
Rewards staying
Nonqualified Deferred Compensation
Lets key people save more for retirement than a 401(k) allows, and gives them a strong reason to stay.
Every Stage of a Career
From first promotion
to final paycheck, and beyond.
The right benefits change as your people do. We build a plan that covers each stage, so no one falls through the cracks.
Stage 1
Retain
Keep your leaders
Executive benefits that reward performance and make your best people harder to recruit away.
Stage 2
Protect
Safeguard the business
Coverage on the people your company can’t run without, so an unexpected loss doesn’t become a crisis.
Stage 3
Build
Save for the future
A retirement plan that helps your whole team build savings, with tax advantages for the business.
Stage 4
Retire
Cover life after work
Group Medicare options that let you keep caring for the people who helped build your company.
Group Medicare
Two ways to cover
your retirees.
We’ll help you choose the option that fits your retirees and your budget, then handle the details.
Option 1
Group Medicare Supplement
Works alongside Original Medicare to help pay costs Medicare doesn’t cover.
- Helps cover deductibles, copays and coinsurance
- Freedom to see any provider who accepts Medicare
- Predictable out-of-pocket costs
Option 2
Group Medicare Advantage
An all-in-one plan that replaces Original Medicare coverage through a private carrier.
- Medical and often prescription coverage in one plan
- May include extras like dental, vision or wellness
- Typically uses a provider network
Plan features vary by carrier and plan design. We’ll walk you through the details for your group.
FAQs
Executive & retirement
questions, answered.
What is key-person insurance?
Key-person coverage is a policy the business owns on an employee it can’t easily replace. If that person passes away or becomes disabled, the benefit helps cover lost revenue, recruiting and the cost of keeping things running.
Is a 401(k) worth it for a small business?
Often, yes. A retirement plan helps you recruit and keep good people, and employer contributions are generally tax-deductible. We’ll help you find a plan design that fits your size and budget.
Can executive benefits be offered to only some employees?
Many can. Key-person coverage and certain executive benefits can be offered selectively, while plans like a 401(k) have rules about who must be eligible. We’ll help you structure it correctly.
What is nonqualified deferred compensation?
It’s an arrangement that lets selected executives defer part of their pay to a later date, beyond what a 401(k) allows. It’s a powerful retention tool because the benefit is often tied to staying with the company. We’ll help you decide if it fits.
Keep Exploring
Related solutions
that work with your plan.
01 · Group Health & Plan Design
Claims analytics and benchmarking that shape a plan around your workforce and budget.
03 · Voluntary Benefits
Employee-paid coverage at group rates that fills the gaps in your core plan.
05 · HR, Compliance & Technology
A dedicated expert keeping you compliant, with technology that makes enrollment simple.
Protect What You've Built
Take care of the people
who take care of your business.
We’ll review your current plan for free and show you where executive, retirement and group Medicare benefits could make the biggest difference.
Prefer to call?
Virtual appointments available
Meet with us by video, whenever it fits your schedule.